TFF provides risk relief by taking the burden of initial disclosures, compliance, pricing, credit approval, quality control, HPML, ATR/QM, AIR, appraisals, underwriting, closing, funding, and all post-closing and secondary issues. By taking on this burden, we allow banks to focus on their core strengths without loan buyback liability.  Banks can grow and retain their client base by offering mortgage options for every market segment. During the loan process, the bank retains control of the client relationship. This provides the opportunity to cross-sell additional products and services that can benefit both the bank and the borrower. Top Flite's current bank partners have seen firsthand the measurable difference this program creates versus being forced to send a denial letter or passing customers on to other financial institutions for their mortgage needs because they didn't have the right product for that client. Through TFF, banks no longer have to jeopardize their customer’s entire banking relationship.


“As a non-depository mortgage lender,” said Baise, “our goal is to operate as an extension of our client banks, and so will never solicit their customers for any banking related services. The bank is, in turn, able to leverage the economies of scale offered by our mortgage infrastructure and expertise. The intent is to create a seamless, streamlined partnership with the bank remaining involved with satisfying their customer’s mortgage needs.” The TFF program requires no special software, specialized training, investment costs, or additional overhead burden. It is a total win-win for the bank. TFF now has locations throughout the Great Lakes region to assist their bank partners produce their loans.


Community Commitment and Growth

Many community banks have maintained a presence and commitment to the smaller communities and towns in which they were founded; decades for most and over a century for some. Top Flite Financial was founded and headquartered in Williamston, MI, and is committed to supporting their community. Recently TFF acquired a second building in Williamston's historic downtown community, and has ompleted a full remodel and conversion into a new Conference and Training center.


The Future

With the visionary leadership of Tim and Tracie Baise, what was once a small startup company in a home office is now one of the fastest growing financial services companies in America. Top Flite Financial earned inclusion into the INC 5000 list of fastest growing privately held companies for 7 straight years.  The company has its Fannie Mae Seller/Servicer approval, and is in final stages of Freddie Mac Seller/Servicer approval. They are also in the process of making application to Ginnie Mae. In the near term, Top Flite will be building out a private label servicing platform to retain the servicing for its bank customers.  TFF will also be rolling out its full bank correspondent program in 2017.


Although the mortgage industry faces increased scrutiny and regulation, TFF is determined to adapt, persevere and continue to set the standard as an industry leader. For  more information please contact Tim Baise and his team at Top Flite Financial, Inc. (517) 655-2140,,  NMLS # 4181.

Tim and Tracie Baise. Since its inception, Top Flite has grown to more than 50 retail office locations nationwide, with roughly 340 employees in 34 states. The same husband and wife team who launched the company are still the first employees in the door everyday, serving as President/CEO, and COO, respectively.

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